商业银行科技金融业务发展研究

发布时间：2018-06-01 01:18

本文选题：商业银行 + 科技金融　；参考：《安徽大学》2017年硕士论文

【摘要】："十三五"时期是实现我国建设创新型国家和金融创新发展的重要时期。推动科技和金融的结合,是我国在未来一段时间内需要认真落实好的工作。科技水平的进步与金融紧密相连,离不开金融的有力支撑。近年来,发展科技金融业务越来越成为商业银行的重头戏,科技支行、科技银行、科技文创金融事业部等专门科技金融服务机构的纷纷设立,有力地推动了金融和科技的有效结合。一方面,传统商业银行盈利模式单一,经营理念落后,经营相似化程度较高,面临着急切的发展转型需要。另一方面,长期以来,科技型中小企业在其发展过程中需要大量的资金投入,然而融资无路已经成为制约其发展的一个主要绊脚石。传统的商业银行由于经营管理模式、科技贷款信贷体制等方面的原因,对科技型中小企业缺乏扶持力度,加上科技型中小企业自身素质不佳、直接融资渠道不畅通、融资"急、小、频"等因素的影响,造成传统商业银行对科技型中小企业贷款没有开放足够的融资空间,以至于很多科研成果仅限于理论层面,转化率低,进而导致科技型中小企业的发展举步维艰。根据国内外的研究成果和科技金融业务发展的先进经验,并结合我国的具体国情可以看出,金融和科技结合是我国银行业发展转型的重要方向。对于商业银行来说,发展科技金融业务有利于拓宽银行业盈利渠道,优化收入结构;对科技型中小企业来说,为其提供了更为便捷的新型融资方式,尤其是初创期的科技型中小企业,减轻了其迫切的资金需求压力,缓解了其融资难的问题,对于促进科技成果有效转化、科技与金融有效结合起到了积极的推动效果。发展科技金融业务已经成为传统商业银行转变经营发展模式的主要手段。本文的研究思路是:一,在国内外相关学者已有的研究基础上,梳理相关文献和理论研究成果;二,分析总结国内外商业银行科技金融业务发展现状以及例如美国"硅谷银行"等国外先进商业银行科技金融业务发展的实践及成功经验,分析我国商业银行在发展科技金融业务上所做的探索,并以杭州银行作为典型案例,寻求我国商业银行科技金融业务发展创新的新思路;三,首先通过对我国商业银行发展科技金融业务进行SWOT分析,其次分别从商业银行科技金融需求方以及供给方的角度分析我国商业银行科技金融业务发展存在的问题,即商业银行和科技型中小企业两个方面分析我国商业银行科技金融业务发展存在的一些问题;四,通过构建科技金融和科技创新立足于Bootstrap数据仿真方法的Granger因果检验模型来分析科技金融和科技创新的相关关系;五,得出本文的研究结论,提出我国商业银行发展科技金融的一些建议和措施,以及对我国商业银行科技金融业务的发展做出展望。本文以商业银行为主体来分析科技金融业务的发展,根据国内外商业银行科技金融业务发展的现状,借鉴美国"硅谷银行"科技金融业务发展的成功经验及我国商业银行对科技金融业务发展的探索和实践,指出我国商业银行科技金融业务发展存在的问题,研究科技金融与科技创新的相关关系并对我国商业银行科技金融业务的发展提出相应的对策和建议。对于我国商业银行探索具有中国特色的科技金融业务发展新思路具有一定的借鉴作用。
[Abstract]:The "13th Five-Year" period is an important period for the development of innovative country and financial innovation in China. To promote the combination of science and technology and finance, our country needs to be conscientiously implemented in the future. The progress of science and technology is closely connected with finance, and the strong support of finance is inseparable. In recent years, the development of science and technology and finance has become more and more important. On the one hand, the profit model of the traditional commercial banks is single, the management is backward, and the degree of operation similarity is high. On the other hand, for a long time, the small and medium sized enterprises in science and technology need a large amount of investment in their development. However, the lack of financing has become a major obstacle to its development. The traditional commercial banks, due to the management model, the credit system of scientific and technological loans and so on, are on the small and medium-sized enterprises of science and technology type. The lack of support, the poor quality of the small and medium sized enterprises, the unimpeded direct financing channels, the "urgent, small, frequency" and other factors have resulted in the lack of adequate financing space for the traditional commercial banks to loan technology for small and medium-sized enterprises, so that many research results are limited to the theoretical level, and the conversion rate is low, leading to science and technology. Based on the research results at home and abroad and the advanced experience in the development of science and technology financial business, combining with the specific national conditions of our country, it can be seen that the combination of Finance and science and technology is an important direction for the development and transformation of China's banking industry. For commercial banks, developing scientific and technological financial services is beneficial to broadening the profit of the banking industry. Channel, optimizing the income structure, providing a more convenient new financing way for the small and medium sized enterprises of science and technology, especially the primary and technological small and medium-sized enterprises in the initial period, alleviated the urgent demand pressure of capital demand, alleviated the problem of financing difficulties, and played an active role in the effective transformation of scientific and Technological Development and the effective combination of science and technology with finance. The development of science and technology finance business has become the main means of changing the mode of business development of traditional commercial banks. The research ideas of this paper are: first, on the basis of the existing research of relevant scholars at home and abroad, combing related literature and theoretical research achievements; two, analyzing and summarizing the present situation of the development of the domestic and foreign commercial banks' scientific and technical financial business. And, for example, the development practice and successful experience of foreign advanced commercial banks, such as the "Silicon Valley bank" in the United States, analyze the exploration of China's commercial banks in the development of science and technology and finance, and take the Bank of Hangzhou as a typical case to seek new ideas for the development and innovation of our commercial banks' scientific and technological financial integration; three, first through the The commercial banks of our country develop the SWOT analysis of science and technology finance business, and then analyze the problems of the development of the scientific and technical financial business of our commercial banks from the point of view of the demand side and the supplier of commercial banks, that is, the two aspects of the commercial banks and the small and medium sized enterprises of science and technology to analyze the development of the scientific and technical financial business of our commercial banks. The four is to analyze the relationship between science and technology finance and scientific and technological innovation through the construction of Granger causality test model based on Bootstrap data simulation method based on scientific and technological innovation and scientific and technological innovation. Five, the conclusions of this paper are drawn up, and some suggestions and measures for China's commercial bank development science and technology and finance are put forward, as well as the business of our country. In this paper, the development of science and technology financial business is analyzed. This paper analyzes the development of science and technology financial business based on commercial banks, according to the current situation of the development of scientific and technical financial business of commercial banks both at home and abroad, and draws lessons from the successful experience of the development of scientific and technical financial business of the "Silicon Valley bank" in the United States and the exploration and exploration of the development of science and technology and finance by commercial banks of our country. In practice, this paper points out the problems existing in the development of science and technology and finance business in China's commercial banks, studies the relationship between science and technology finance and scientific and technological innovation, and puts forward corresponding countermeasures and suggestions for the development of our commercial banks' scientific and technical financial business. The use of reference.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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